21 Neptune Drive, Mary Esther, FL 32569

• 3 beds |
• 3 baths |
• 2,600 sqft

Property Description

Experience true waterfront living with stunning sound views, direct sound access (IN FLOOD ZONE X NO FLOOD INSURANCE REQUIRED), and a backyard designed for both relaxation and entertaining. Situated on approximately 0.41 acres in the desirable Mariner's Cove community, this property offers a rare combination of space, functionality, and coastal lifestyle. From the moment you step inside, you're greeted by soaring ceilings, expansive living areas, and abundant natural light, all designed to highlight the home's connection to the water. Large windows and multiple vantage points bring the views inside, creating a bright and inviting atmosphere throughout. The outdoor space is where this home truly shines--featuring over 640 square feet of screened, heated pool area overlooking the water. Whether hosting guests or enjoying a quiet evening, the covered patio, wood-burning fireplace, and outdoor fire pit provide the perfect setting year-round. Boating enthusiasts will appreciate the 57-foot dock with sound and Gulf access, complete with a 10,000 lb boat lift and a large floating dock for easy Jet Ski access. Start your mornings with coffee on the water or unwind in the evenings with incredible sunset views. Additional exterior features include an extended driveway accommodating up to six vehicles, a two-car garage, a lawn pump sprinkler system to maintain the yard without increasing your water bill, and an elevated 10x14 Tuff Shed rated for 120 mph winds. Inside, the home offers generously sized rooms, ample storage, and a guest suite with a private balcony--perfect for enjoying the coastal breeze and water views. Recent upgrades provide both comfort and peace of mind, including a tankless gas water heater, impact-rated windows and doors (including garage door for wind mitigation benefits), and a new roof with enhanced underlayment for potential insurance savings. A home warranty is included, offering added protection for major systems such as HVAC, pool equipment, and appliances. Ideally located just minutes from Hurlburt Field and centrally positioned between Destin and Pensacola, this home offers convenience, lifestyle, and exceptional value for waterfront living.

Listing Status:

Active

Date Added:

March 19, 2026

Data Last Updated:

April 5, 2026 at 6:21PM

Listing Office:

Realty ONE Group Emerald Coast : 850-842-3211

Listing Agent:

Tarrah Minor : 606-231-2812

MLS ID:

998385

Interior

• General: Breakfast BarCathedral Ceiling(s)Crown MoldingTray Ceiling(s)Vaulted Ceiling(s)FireplacePantryPull Down StairsSplit BedroomWasher/Dryer HookupWoodwork Painted
• Appliances: DishwasherDisposalMicrowaveRefrigeratorGas Water Heater
• Flooring: TileCarpet
• A/C: Central AirAttic FanCeiling Fan(s)
• Heating: Central

Exterior

• General: BalconyBoat SlipBoatliftDockLawn PumpPool - EnclosedSprinkler System
• Style: Tudor
• Pool: HeatedIn Ground
• Parking: Garage Door OpenerBoatRV Access/Parking

Construction

• Windows: Double Pane Windows
• General: BlockSiding Brick FrontSiding Brick SomeSiding CmntFbrHrdBrd2

Location

• Originating MLS: Emerald Coast Association of REALTORS®
• County: Okaloosa

Lot

• Zoning: Resid Single Family152S25308000000190
• View: Intracoastal WaterwySound

Utilities

• Water: 0

Financial

• Source: Emerald Coast Association of REALTORS®